VMWare is far easier solution for normal enterprises than K8s. K8s more suited for having many small VMs that can be quickly deleted and recreated i.e modern microservice architecture. vSphere & friends is more targeted for running very large database, oriented application that need high uptime and are very long lived. VMWare can live migrate a running OS between physical hosts so that you can have continuous uptime. VMWare works with any OS so it's especially used by any Microsoft based orgs which the majority of hospitals, schools, government offices are.
If you are deploying enterprise apps from the 1990-2000s you use vSphere, if you are building your own SaaS product then you use K8s.
Comparing a companies current valuation to it's all-time or 52-week high isn't really useful. NVDIA is down ~14% from it's ATH but 25x it's initial market cap; it's certainly returned value to it's investors.
What matters more is change relative to it's market cap at IPO. And yes this is significantly worse for newer companies. There is a clear trend showing the 2010-2022 tech IPO market pushed valuations pre-IPO to insane levels such that post-IPO growth was limited or even negative meaning retail investors never had an opportunity to hold equity.
Sure but AFAIK FedNow is not going to hold funds or authority to payback or revert "fraudulent" transactions?
If I lend out $X dollars but my client says the loan was accessed fraudulently then who pays for this loss? The bank, the payment processor (FedNow/Visa), the customer, or the vendor?
These are called ACH return codes and are similar to disputes on credit card.
Liability is on the receiving or the originator institution. But in practice, it depends on the contract with the “processor”. Many Pay By Bank “processors” offer a guarantee model to cover these returns. Otherwise, liability is typically on the merchant.
However, Nacha is beginning to iterate on their return codes to better fit the e-commerce use case and clearly define liability.
The bank usually handles initiating reversals, not the payment processor. Though FedNow may not have the API to facilitate them easily, not sure on that.
The actual lender for a CC is not Visa, it's the associated bank that's backing the CC. So the redistribution of wealth is occurring on the banks books not Visa's.
The ideal solution for this is the LVT is split between each level of government and it's parent. Each level receives tax revenue based on the market value after it's own zoning and all other restrictions apply. But each level must pay it's parent government based on the land value without any of local zoning or restrictions imposed.
For example, Aspen Colorado can certainly just ban all new construction outright and collect taxes accordingly. But it would owe the state Colorado tax revenue based on the theoretical land value of Aspen's total land.
This preserves local control as much as possible but forces communities to fairly compensate the rest of the country should they choose to purposely under utilize their land. E.g if SF doesn't build more housing then Austin now has to build more, etc.
At the same time, since the Federal gov owns 90% of Nevada, Nevada as a state wouldn't be forced to make up the tax revenue for that land since all of its rules and restrictions come from a parent government (Federal/BLM rules).
> The ideal solution for this is the LVT is split between each level of government and it's parent. Each level receives tax revenue based on the market value after it's own zoning and all other restrictions apply. But each level must pay it's parent government based on the land value without any of local zoning or restrictions imposed.
Sounds interesting, but I wonder how you would get at those values?
Also, you would probably also want to extend what you say to include both locally enforced restrictions but also locally provided amenities.
But how do you decide who gets to benefit from eg having the Google campus next door? Or having a famous artist live in your community?
> For example, Aspen Colorado can certainly just ban all new construction outright and collect taxes accordingly. But it would owe the state Colorado tax revenue based on the theoretical land value of Aspen's total land.
> This preserves local control as much as possible but forces communities to fairly compensate the rest of the country should they choose to purposely under utilize their land. E.g if SF doesn't build more housing then Austin now has to build more, etc.
That seems much more convoluted and prone to abuses than just letting Aspen collect its land value tax and keeping the whole thing, but also having that level of government pay for most things by itself.
Have a look at Switzerland: their system minimises vertical transfers, ie every level of government mostly only spends what it earns (in taxes).
(They do have some horizontal transfers between richer and poorer regions of the country, or richer and poorer people. But not much between eg Cantons and the federal level.)
Agree it isn't practical to block everything while still allowing software engineers to do their job. An online regex tester is super useful or could be a big risk is an employee uses it incorrectly.
But it is helpful to block certain things that are just too common outside of work so people just don't think twice. Things like ChatGPT, Grammerly, Pastebin, etc. should be manually blocked.
Another interesting approach I learned from the Director of IT at Intercom (Emanuele Sparvoli): They pay for a single seat in each of the typical "Shadow IT" SaaS apps. Then they block within the SaaS app the ability to sign up with email/password coming from their domain.
It's pretty drastic since you literally pay for a seat in a tool you don't want to use. But it stops anybody from quickly signing up and instead will guide them to the IT team. They then have the chance to explain what the official alternatives are.
What's important is that the employee's understand the reason why certain apps are not allowed - whether that's cost, security or something else.
> Some of these high county-level percentages stem from high populations of immigrants, whose first language is not English. The PIAAC only assesses English literacy, though its background questionnaire is given in English and Spanish.
If you look at the map (and read the article), it's fairly obvious that they are NOT adjusting for non-English first language speakers. This is partly on purpose since it's those demographics that need the most assistance and funding to learn English. However, it's really disappointing that this data is used to make statements and titles regarding people's "literacy" or reading comprehension when it's specifically testing a single language.
It’s a study done by the US Dept of Education. I don’t think it’s bad or even unusual that it tests English (and some Spanish) only. The implication is it is testing useful literacy in the US. After all, being literate in Tagalog isn’t a useful thing in the US, so why call someone who is literate in Tagalog only literate for the US?
I’m not certain this is as big an effect as you might imagine.
I’m an immigrant in Portugal, I have been here five years - and I am far more literate in Portuguese than a good many of the people I encounter here, who are born and bred Portuguese. Sure, they speak better than me, of course, and it took me a while to realise that many of them could barely read or write - but the educational system in rural Portugal did not, and seemingly still does not, produce people with anything above bare-bones literacy.
This isn’t a judgment - purely an observation that literacy is something that translates across language barriers for the literate quite readily, and poor education results in poor literacy - not being foreign.
A ban on cell phones would make doing homework a lot more difficult. It's far easier to have textbooks on your phone than carrying them around all day. Almost impossible to write any kind of paper without the internet.
No the resources you used would have degraded since you were in uni. Since people use the internet, less people are using the library so the library gets less funding, professors aren't checking if the library has enough copies of books, etc. But just culturally unless you've been primarily using non-electronic methods of education; then you are just always worse at doing so.
If I live my regular professional life using stackoverflow, man pages , Wikipedia, Google Scholar, etc. then I become very proficient using those. It doesn't make any sense forcing students to learn research methods they aren't going to use outside the classroom at least not at the expense of prohibiting the de-facto, gold standard of information sharing i.e the internet.
Saying you can learn without a phone/internet is like saying you can travel via horse or find a job via the classified section. Efficient research and learning is a network dependent skill; if other people use X then you need to know X not Y .
It's actually quite convenient, school desks are quite small so trying to fit a textbook and your homework notebook is quite cramped. You can just put your phone directly next to the HW problem.
High schoolers and college students still have good eyes lol.
Really can't recommend Nix for Python stuff more, it's by far the best at managing dependencies that use FFI/native extensions. It can be a pain sometimes to port your existing Poetry/etc. project to work with nix2lang converters but really pays off.
Only if by "consumer protection" you are OK getting your Ebay account banned. Ebay already provides there own buyer protection... but if you disagree with them and do a charge back then most likely your account will be banned.
If you are deploying enterprise apps from the 1990-2000s you use vSphere, if you are building your own SaaS product then you use K8s.